Jin Zhou, the author and publisher of ERISAclaim.com, owns all
copyright, intellectual property, and other interests related to
ERISAclaim.com's website, publications, consulting, and seminars,
including but not limited to its ERISA Appeals CD Book & Systems,
ERISAclaim.com's News Letters, "Zhou's Model of Prudent Health Care",
and entire website
content, except for those contents or art works quoted or cited from
governmental and judicial publications or hyperlinked to external
websites or resources.
NO COPYING, DOWNLOADING, POSTING,
Except for "PRINTING FOR PERSONAL USE ONLY" as
defined hereinbelow, no content from ERISAclaim.com's
website or from its publications, including but not limited to our
Appeal Letters or Forms from our eBook or CD-Book Appeal Systems,
may be copied, downloaded, stored in a retrieval system,
re-engineered, modified, used to create derivative works including but
not limited to Powerpoint presentation, seminar handouts, news
letters, modified Appeal Letters or Forms or reproduced or
transmitted in any form or by any means, electronic, mechanical,
photographic, photocopying, recording, scanning, or otherwise, without
prior written permission from Jin Zhou of ERISAclaim.com. No content
from ERISAclaim.com's website or from its publications may be posted
or used on other websites, intranet sites, bulletin boards, news
services, message groups, or in any other manner, in whole or in part,
without prior written permission from Jin Zhou of ERISAclaim.com. It
is unlawful for anyone to participate in the transfer or sale of,
create derivative works from, or in any way exploit any content of
ERISAclaim.com's website or its publications without prior written
permission from Jin Zhou of ERISAclaim.com.
PRINTING FOR PERSONAL USE ONLY:
may copy or store a few pages of this website on your personal PC or
workstation for individual use or reference.
may print one hardcopy of a few pages of content from this website or
from our publications, such as our eBook, CD-Book, for your personal
or individual use, which may include sending the printed pages to a
co-worker or client who has requested information from you (but you
must warn him/her in writing that copyright law prohibits him/her from
redistributing to anyone else).
may also store our entire eBook or CD-Book on your personal PC on the
basis of one copy of CD-Book per PC/CPU only, instead of on a network
than the above, you may not print pages and/or distribute content from
ERISAclaim.com's website or publications, online or off-line, digital
or paper, without prior written permission from Jin Zhou of
Institutional copies or licensing are required for network storage or
institutional distribution of our CD-Book or any publications.
LICENSING AN ERISAclaim.com
$250 per article, you can purchase a license that permits you to
reprint an article from the ERISAclaim.com website on the condition or
in terms of "As Is" in your electronic or print
newsletter and/or post it on your password-protected Web site for your
employees or clients. Please send an email to
ERISAclaim@aol.com. identifying what article you wish to license
and for what purpose.
ERISAclaim.com's seminars and its associated publications, Power
presentations, handouts, course materials, and CD-Book Appeal Systems,
are copyrighted as disclosed and defined in this Copyright Notice.
Tape or any forms of digital recording are not allowed or permitted.
Seminar materials are subject to the copyright restrictions as defined
herein with respect to onsite presentations and on-line or off-line
publications, digital or paper publications.
REQUESTS FOR PERMISSION:
Requests for permission other than a request to license an
ERISAclaim.com website article should be addressed to
ERISAclaim@aol.com. Include the following information: (a) the
content you wish to use; and (b) a description of the planned use,
including quantity and the intended recipient(s). Please allow several
days for a reply. Permission is granted on case by case basis.
DAMAGES & CIVIL OR CRIMINAL
unauthorized use, submission or distribution of copyrighted or other
proprietary content is illegal and could subject the violator to
personal liability for damages in a civil suit resulting from any
infringement of copyrights or other proprietary rights, or from any
other harm arising from the unauthorized use, submission or
security purposes and to ensure that this service remains available to
all users, our Web site also employs software programs to monitor
network traffic to identify unauthorized attempts to upload or change
information, or otherwise cause damage.
You are hereby notified that use of this site constitutes consent to
such monitoring and the above captioned "Copyright Notice" and
the following "Legal Disclaimers".
If you visit our site, we collect and store the following information
only: the name of the domain from which you accessed the Internet
(e.g., aol.com); the IP address from which you accessed this site; the
date and time you accessed the site; and the pages you visited.
The author and publisher of ERISAclaim.com
is not responsible for the creation or maintenance of web sites linked
to this site, and does not vouch for the accuracy, completeness, or
currency of any of the materials included on them.
The publication or information
on this Website is designed to provide accurate and authoritative
information in regard to the subject matter covered. It is presented and
published with the understanding that the author and publisher are not
engaged in rendering legal, accounting or other professional service or
advice. If legal advice or other expert assistance is required, the services
of a competent professional person should be sought.
We're not employees
of, or in affiliation with any governmental or regulatory agencies.
is not a law firm. We do not practice law. If legal action or advice is
required to successfully resolve a claim or a claim/business decision, we
will refer out our client to an outside legal counsel chosen by our client.
We do not
teach, advise or participate in coding & billing of your health care claims and
practice. We advocate appeals of your already denied claims
through compliance and compliant claim processing for savings in accordance
with ERISA claim regulations and applicable federal and state laws.
ERISAclaim.com often works in conjunction with, but completely
independent from, different law firms or seminar sponsors whose practice is
focused on the representation of or advising clients in health care ERISA
claims dispute or compliance, those law firms or companies advertising
on ERISAclaim.com are not affiliated with or employed by or with
disclaims any and all responsibility or liability for the accuracy, content,
completeness, legality, reliability, or operability or availability of
information or material displayed or
ERISAclaim.com disclaims any
responsibility for any harm resulting from downloading or accessing any
information or material on the Internet linked to or through the
Except for otherwise specifically stated, our educational and training for
certification programs are not
affiliated with any governmental or educational institute for the purpose of
"recognized accreditation or certification for compliance programs or
compliance officers" or degrees. Our certifications are only for
personal attendance in private studying subject materials
specified in each individual programs for advancing educational knowledge
with respect to applicable business and compliance.
"According to the video, when faced with claims for identical
medical problems, Aetna separates the claims where no damages
are available - those subject to the federal Employee Retirement
Income Security Act, or ERISA - from non-ERISA claims, where
consumers can sue.1 2"
"ERISA was enacted in 1974 to protect the pension and welfare
benefits that employers provide their workers. It currently
covers about 2.5 million health plans and 125 million workers,
retirees, and dependents."
Recent Federal Court Ruling in a Case with
$10,600 medical claim, insurance Co. refused to pay, provider
made numerous demand for payment in almost one year, but no
appeals filed, the court dismissed the lawsuit because provider
failed to exhaust administrative remedy, as required under ERISA,
by filing ERISAclaim appeals. This situation is so popular
in health-care community.